for-profit and are responsible first of all, to their shareholders and that is important. and, also, you have to be careful about what kind of loans they are pushing you and you can go into debt, $14,000 a year. >> gregg: bottom line, do your homework, no pun intended and you have to be skeptical and ask a lot of question and do research and find out what you are getting into. >> ask about job placement, what the average salary is, what the graduation rate was, and, also, be careful, because, if you -- you may not have the certificate that you want for the job field you are looking for, then you have to go back and take more classes, maybe at the community college, so, makes sure it fits just like that. buyer beware like anything else. >> gregg: caveat emptor. brenda buttner, good to see you, thanks. >> julie: the health care reform law is beginning to kick in. what does it mean for you and your family? you'll find out coming up.